Below are the complete branch details for Axis Bank, SARAIDHELA branch, located in DHANBAD, JHARKHAND. The IFSC assigned by the Reserve Bank of India to this branch is UTIB0002853. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case UTIB0002853 for Axis Bank – SARAIDHELA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.
In our case, UTIB0002853 is the IFSC of Axis Bank's SARAIDHELA branch. The format is fixed: UTIB = bank code, 0 = reserved, 002853 = branch identifier.
About Axis Bank
Axis Bank operates a wide network of branches across India, including the Saraidhela branch in Dhanbad. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, UTIB0002853.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | Saraidhela |
| IFSC Code | UTIB0002853 |
| MICR Code | Refer to cheque leaf |
| Branch Address | UPPER GROUND FLOOR DHANBADGOVINDPUR MAIN ROAD KG ASHRAM DHANBAD JHARKHAND 828109 |
| City | Dhanbad |
| District | Dhanbad |
| State | Jharkhand |
| STD Code | 91 |
| Phone | 9771423417 |
About this branch
The branch is located at UPPER GROUND FLOOR DHANBADGOVINDPUR MAIN ROAD KG ASHRAM DHANBAD JHARKHAND 828109. It serves the Dhanbad region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Axis Bank. The IFSC UTIB0002853 is used to identify this branch on the RBI payments network.
Why every Axis Bank branch has a unique IFSC
Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including SARAIDHELA of Axis Bank — its own 11-character IFSC. The code UTIB0002853 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.
Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC UTIB0002853 the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the Saraidhela branch is mapped to IFSC UTIB0002853 on the RBI payments network. The branch generally supports the full retail product catalogue of Axis Bank, including:
- Resident savings accounts and salary accounts
- Current accounts for businesses and professionals
- Fixed deposits, recurring deposits and tax-saver deposits
- Demand drafts, banker's cheques and pay orders
- Retail loans — personal, vehicle, education, gold and home
- Credit cards and overdraft facilities (subject to eligibility)
- Third-party investment products such as mutual funds and insurance (through tie-ups)
Whichever product you choose, the IFSC for incoming credits remains UTIB0002853.
Products and services
Customers walking into the Saraidhela branch can access most of Axis Bank's standard product suite, including:
- Account opening – savings, current, NRI, salary
- Term deposits and recurring deposits
- Retail and small-business loans
- Insurance and mutual-fund tie-ups
- Locker, safe deposit and ATM card services
- Online and mobile banking activation
- Electronic transfers via IFSC UTIB0002853
How to transfer money using IFSC UTIB0002853
Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC UTIB0002853 across all three.
NEFT to Axis Bank, SARAIDHELA using IFSC UTIB0002853
National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.
To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC UTIB0002853, and confirm that the system picks up Axis Bank – SARAIDHELA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UTIB0002853
RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Axis Bank – SARAIDHELA, ensure your bank's portal accepts IFSC UTIB0002853 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Axis Bank SARAIDHELA (IFSC UTIB0002853)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UTIB0002853 in your mobile or internet banking app, and the money is credited to the SARAIDHELA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UTIB0002853 for Axis Bank – SARAIDHELA, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – UTIB0002853 | Yes – UTIB0002853 | Yes – UTIB0002853 |
For most retail customers crediting the Saraidhela branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.
UPI payments and IFSC UTIB0002853
UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at Axis Bank – SARAIDHELA is still mapped to IFSC UTIB0002853. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.
If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC UTIB0002853 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the Saraidhela branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC UTIB0002853 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.
MICR code & cheque clearing
Apart from IFSC, every cheque book issued by Axis Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC UTIB0002853 and the account number together uniquely identify the Saraidhela branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Things to verify before sending money
Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to Axis Bank – SARAIDHELA:
- The IFSC is exactly UTIB0002853 with no extra spaces.
- The beneficiary's account number matches what they shared, digit for digit.
- The portal auto-fills Axis Bank as the bank name and SARAIDHELA as the branch.
- The amount and the purpose of payment are correct.
- You have a valid OTP-verifying mobile number on hand.
A 30-second review here saves hours of reconciliation later.
Reaching the branch
The Saraidhela branch sits at UPPER GROUND FLOOR DHANBADGOVINDPUR MAIN ROAD KG ASHRAM DHANBAD JHARKHAND 828109. If you are travelling from outside Dhanbad, search for the branch on a maps application using the bank name and locality, or call 91-9771423417 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC UTIB0002853 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UTIB0002853 for Axis Bank – SARAIDHELA, you can cross-check the code from any of these sources before initiating a high-value transfer:
- The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
- The first page of your passbook.
- The bank's official website under the branch locator.
- The Reserve Bank of India's IFSC search portal.
- Net banking dashboards usually display the home-branch IFSC under account details.
Working hours
Branch counters at Saraidhela are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to UTIB0002853 continue to work without interruption.
Branch address & contact
Axis BankSaraidhela Branch
UPPER GROUND FLOOR DHANBADGOVINDPUR MAIN ROAD KG ASHRAM DHANBAD JHARKHAND 828109
Dhanbad, Jharkhand
Phone: 91-9771423417
IFSC: UTIB0002853
Frequently asked questions
What is the phone number of Axis Bank Saraidhela branch?
You can reach the branch at 91-9771423417 during regular banking hours.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Saraidhela branch but serve different purposes.
Can I use IFSC UTIB0002853 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0002853 to send funds instantly.
Is IFSC UTIB0002853 valid for NEFT and RTGS?
Yes. IFSC UTIB0002853 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How quickly will an NEFT transfer using UTIB0002853 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – Saraidhela reflect within 30 minutes.
Where is Axis Bank Saraidhela branch located?
Axis Bank's Saraidhela branch is located at UPPER GROUND FLOOR DHANBADGOVINDPUR MAIN ROAD KG ASHRAM DHANBAD JHARKHAND 828109, Dhanbad, Jharkhand.
How do I add Axis Bank Saraidhela as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC UTIB0002853, and complete OTP verification. Once activated, you can transfer funds at any time.
Summary
The IFSC code UTIB0002853 belongs to Axis Bank's SARAIDHELA branch, located at UPPER GROUND FLOOR DHANBADGOVINDPUR MAIN ROAD KG ASHRAM DHANBAD JHARKHAND 828109 in DHANBAD, JHARKHAND. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.
